Ward is a 1978 graduate of Thayer High School and received her registered nursing degree from Missouri State University in West Plains. Ward has worked at Ozarks Medical Center in West Plains in the emergency room, Air Evac and emergency nursing. As an RN she also taught clinical instruction at MSU for three years.
She is married to Tim Ward of Thayer. The Wards have two children, Jason and April, and one grandson, Cole. Tammy is the daughter of Paul and Cecil Brewer of Thayer.